BSAC vs ITRN vs NP Stock Comparison

Banco Santander Chile, Ituran Location & Control and Neptune Insurance Holdings Prices as of Oct 26, 2026 Peers: Industry group
BSAC Banco Santander Chile
$31.64 -7.9% 1M +11.8% 1Y
Market cap
$14.97B
P/E
0.0x
Revenue (TTM)
—
Div. yield
–
Regional Banks Financial Services
4 wins

Head to Head

9 decided of 12

Ituran Location & Control leads on 5 of the 12 questions below (Ituran Location & Control 5, Banco Santander Chile 4). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionBSACITRNNPLeader
Larger companyMarket capitalisation $14.97B $1.05B $4.04B BSAC
Cheaper on earningsLower P/E, profitable companies only 0.0x 16.4x 90.5x BSAC
Cheaper on forward earningsLower price / next fiscal year consensus EPS 11.1x 14.9x 48.9x BSAC
Faster revenue growthRevenue growth, trailing twelve months — +130.5% +33.8% ITRN
More profitableNet margin, trailing twelve months — 33.7% 22.7% ITRN
Better return on capitalReturn on invested capital — — 512.4% –
Less leveragedLower net debt / EBITDA 0.0x — — –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +11.8% +34.5% +7.6% ITRN
Better 5-year returnAnnualised price return, 5 years +11.9%/yr +15.0%/yr — ITRN
Less volatileAnnualised volatility, 1 year 28.9% 30.4% 60.7% BSAC
Higher overall scoreMean of the five percentile scores vs peers 33/100 74/100 39/100 ITRN

Percentile Scorecard

BSACITRNNP

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisBSACITRNNP
Valuation 12 #320 of 362 82 #17 of 90 3 #115 of 119
Growth 20 #178 of 221 58 #35 of 82 78 #26 of 115
Profitability – 99 #2 of 77 99 #2 of 113
Financial Health 8 #187 of 203 60 #39 of 96 10 #103 of 114
Shareholder Returns 93 #25 of 342 70 #17 of 54 4 #103 of 107
Overall 33 74 39
  • BSAC ranked among 370 companies in Banking
  • ITRN ranked among 99 companies in Vertical Software
  • NP ranked among 126 companies in Insurance

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodBSACITRNNPSPY
1 month -7.9%-0.5%+3.1% -0.8%
3 months -8.2%-7.0%-8.0% +3.5%
6 months -5.3%-9.6%+7.1% +7.0%
Year to date +1.7%+19.6%-2.7% +12.2%
1 year +11.8%+34.5%+7.6% +13.0%
3 years +81.0%+112.2%— +86.3%
3 years, per year +21.9%+28.5%— +23.1%
5 years +75.5%+100.9%— +68.6%
5 years, per year +11.9%+15.0%— +11.0%
10 years +44.7%+92.6%— +258.0%
10 years, per year +3.8%+6.8%— +13.6%

Risk

MeasureBSACITRNNPSPY
Volatility, 1Y 28.9%30.4%60.7% 12.7%
Downside volatility, 1Y 30.5%28.8%56.0% 12.7%
Beta vs S&P 500, 1Y 1.091.140.11 1.00
Return / volatility, 1Y 0.411.130.13 1.02
Max drawdown, 5Y -40.5%-31.0%-43.8% -25.4%
From 52-week high -15.5%-22.5%-19.0% -1.8%
52-week high $37.46$66.37$35.05 $779.14
52-week low $28.22$36.06$17.14 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleBSACITRNNP
P/E now vs peer median 0.0xmedian 12.1x 16.0xmedian 42.4x 87.1xmedian 10.6x
P/S now vs peer median 2.8xmedian 3.4x 5.4xmedian 2.7x 19.8xmedian 1.4x
EV/EBITDA now vs peer median 0.0xmedian 5.0x 8.7xmedian 19.0x —median 7.6x
P/FCF now vs peer median -483.6xmedian 11.0x 9.3xmedian 19.4x 47.5xmedian 8.6x
P/B now vs peer median 2.4xmedian 1.2x 4.5xmedian 1.8x -18.4xmedian 1.5x
PEG now vs peer median 0.00median 1.36 1.06median 1.75 —median 0.52

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsBSACITRNNP
Revenue – $189.86M $197.00M
Gross profit – $196.43M –
Operating income $278.26B $85.86M $81.30M
Net income -$1.70T $66.00M $44.74M
Free cash flow – $109.73M $82.04M
R&D – $21.44M –
EPS (diluted) $1,126.89 $3.22 $0.31
Cash & equivalents $2.20B $103.70M $17.43M
Total debt $49.65B – $922.00M
Shares (diluted) 471.12M 19.87M 146.39M
Enterprise value -$10.98T $637.44M $3.99B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricBSACITRNNP
P/E 0.0x 16.0x 87.1x
P/FCF -483.6x 9.3x 47.5x
P/Operating cash flow – 10.1x 47.5x
P/S 2.8x 5.4x 19.8x
P/B 2.4x 4.5x -18.4x
P/Tangible book -0.2x 4.7x -18.4x
EV/EBITDA 0.0x 8.7x –
EV/EBIT 0.2x 10.7x 50.4x
EV/Revenue – 4.8x 20.8x
EV/FCF – 8.3x 49.9x
EV/Operating cash flow – 9.0x 49.9x
PEG (3Y EPS CAGR) 0.00 1.06 –

Growth

14 metrics
MetricBSACITRNNP
Revenue growth (1Y) – 130.5% 33.8%
Revenue CAGR (3Y) – – –
Gross profit growth (1Y) – 18.2% –
Gross profit CAGR (3Y) – 10.4% –
Operating income growth (1Y) -85.8% 17.0% 7.0%
Operating income CAGR (3Y) 44.6% 11.1% –
Net income growth (1Y) -229.4% 14.1% 0.1%
Net income CAGR (3Y) -114.2% 13.2% –
EPS growth (1Y) -18.5% 15.4% 197.9%
EPS CAGR (3Y) 48.4% 15.0% –
Operating cash flow growth (1Y) – 30.0% 53.1%
Operating cash flow CAGR (3Y) – 17.6% –
Free cash flow growth (1Y) – 26.9% 53.1%
Free cash flow CAGR (3Y) – 11.0% –

Profitability

14 metrics
MetricBSACITRNNP
Gross margin – 103.5% –
EBITDA margin – 55.4% –
Operating margin – 45.2% 41.3%
Pretax margin – 44.1% 34.1%
Net margin – 33.7% 22.7%
FCF margin – 57.8% 41.6%
Operating cash flow margin – 53.3% 41.6%
Return on equity – 30.0% –
Return on assets 2,022% 16.3% 43.4%
Return on invested capital – – 512.4%
Return on capital employed – 30.4% 3,191%
Asset turnover – 0.5x 1.9x
Cash conversion (OCF / net income) – 1.5x 1.8x
Stock comp / revenue – – 16.2%

Financial Health

11 metrics
MetricBSACITRNNP
Debt / assets 65.6% – 206.9%
Debt / equity 8.0x – -1.0x
Net debt / EBITDA 0.0x – –
Debt / FCF – – 2.6x
Liabilities / assets 91.8% 44.8% 303.6%
Equity / assets 8.2% 55.2% -203.6%
Interest coverage – 19.1x 5.4x
Current ratio – 2.0x 0.9x
Quick ratio 0.1x 1.4x 0.3x
Cash ratio 0.1x 0.8x 0.2x
Altman Z-score – – 5.39

Shareholder Returns

7 metrics
MetricBSACITRNNP
Dividend yield 4.7% 5.8% –
Net buyback yield – 1.4% 0.0%
Shareholder yield 4.7% 7.2% 0.0%
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusBSACITRNNP
Forward P/E 11.1xFY2026 14.9xFY2026 48.9xFY2026
EPS, next fiscal year $2.84FY2026 $3.46FY2026 $0.58FY2026
EPS growth, next FY +9.7%FY2026 +18.5%FY2026 +41.5%FY2026
EPS growth, the year after +2.5% +16.2% +25.9%
Revenue, next fiscal year $3.07BFY2026 $390.51MFY2026 $195.39MFY2026
Revenue growth, next FY -7.8%FY2026 +8.8%FY2026 +22.5%FY2026
Revenue growth, the year after +19.1% +20.3% +18.6%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersBSACITRNNP
Held by institutions 4.7% 56.3% 48.8%
Institutions holding 157 204 136
Change in shares held, QoQ +1.7% -8.5% +3.3%
Institutions buying 82 102 105
Institutions selling 51 59 24
Buyers to sellers 1.61 1.73 4.38

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

BSACITRNNP
BSAC 1.00 0.26 0.05
ITRN 0.26 1.00 0.01
NP 0.05 0.01 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, BSAC, ITRN and NP?

Banco Santander Chile (BSAC) is the largest by market capitalisation: Banco Santander Chile (BSAC) $14.97B, Ituran Location & Control (ITRN) $1.05B, Neptune Insurance Holdings (NP) $4.04B.

Which stock is cheaper, BSAC, ITRN and NP?

Banco Santander Chile (BSAC) trades on the lowest price-to-earnings ratio (Banco Santander Chile (BSAC) 0.0x, Ituran Location & Control (ITRN) 16.4x, Neptune Insurance Holdings (NP) 90.5x). On next year's consensus earnings, Banco Santander Chile (BSAC) is cheapest (Banco Santander Chile (BSAC) 11.1x, Ituran Location & Control (ITRN) 14.9x, Neptune Insurance Holdings (NP) 48.9x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Ituran Location & Control (ITRN) grew revenue fastest over the trailing twelve months: Ituran Location & Control (ITRN) +130.5%, Neptune Insurance Holdings (NP) +33.8%.

Which company is more profitable?

Ituran Location & Control (ITRN) has the highest net margin (Ituran Location & Control (ITRN) 33.7%, Neptune Insurance Holdings (NP) 22.7%).

Which stock has performed better?

Over the past year Ituran Location & Control (ITRN) returned the most: Banco Santander Chile (BSAC) +11.8%, Ituran Location & Control (ITRN) +34.5%, Neptune Insurance Holdings (NP) +7.6%. Over five years, Ituran Location & Control (ITRN) compounded fastest (Banco Santander Chile (BSAC) +11.9%/yr, Ituran Location & Control (ITRN) +15.0%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Banco Santander Chile (BSAC) has been the steadiest (Banco Santander Chile (BSAC) 28.9%, Ituran Location & Control (ITRN) 30.4%, Neptune Insurance Holdings (NP) 60.7%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, BSAC, ITRN and NP?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Ituran Location & Control (ITRN) leads on 5. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.